Wacha1 analeta ligi isiyo na kombe.
Nilikuwa bongo mkuu chacha kama hupendi shauri yako nyie wadanganyeni watu hapa watakwenda na makadi yao watatoka kapa. Tena bongo siku hizi imebadilika kuna ATM zinazokupatia mpunga in US dollars kama unapenda na nyingine madafu.
Nilikwenda kwenye mashine moja nikagonga nusu laki ya kibongo kumbe inatoa US dollars ikabidi igome nikacheck tena ndio nikagundua. Kama hutaki pressure nenda Barclays.
mkuu mpunga kwa usd! ??!! hehehe itabidi nikajionee kaka!
Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?
Ndio umesema kweli kwa kuchukua pesa ila kadi hiyo ikiwa ni CREDIT card interest utakayolipia kwa kuchukua pesa ATM utajuta na kuingia deni kubwa zaidi.So kama ni debit card weye chukua tu as pesa ni zako na sio za mkopoIn short credit card ni nzuri ukichanja online, madukani etc bila kuchukua cash toka ATM. Au kuna maduka kama bado yapo duniani najua nchi nyingi hawafanyi hivi unaweza omba cash back sasa ukipewa kwa via credit card itakuwa kama umetumia kadi kununua. Nimechangia tu navyozijua zilivyo la muhimu ukitaka product yoyote ulizia na pia shop around. Kwa credit card itasaidia utajua charges za kuchukua deni linaendaje ila ukilipa mapema ku clear balance yako unakuwa huchajiwi pesa yote ni juu ya terms and conditions.Master Card ni kadi ya benki inayokuwezesha kuchukua pesa kwenye ATM yeyote duniani iliyopo katika mfumo huo wa MASTER. Kwa mfano kama unayo master card ya CRDB unaweza kuchukua pesa kwenye ATM ya Exim, NBC au Backlays etc ...Visa Card ni kadi ya benki inayokuwezesha kuchukua pesa kwenye ATM za benki yako peke yake. Kama unayo visa card ya CRDB huwezi kuitumia kuchukua pesa kwenye ATM ya NBC, Exim au Backlays
Mkuu sing'ang'anii ndio maana ya kuwa na forum, andika na wewe ya kwako au unaona wivu? Wacha fujo .... ..... ....
Sijajibu kivipi wakati katika maelezo yangu nimesema zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani. Fundamentally hazina tofauti na tofauti kubwa iliyopo ni zinatolewa na makampuni mawili tofauti.
Au wewe ulitaka niandike orodha nzima ya tofauti zake, kwa mfano, Mastercard makao yake makuu yako Purchase, New York. Na makao makuu ya Visa yako San Francisco, California etc., etc.
Nembo ya MasterCard ina vimiduara viwili, kimoja cha rangi ya chungwa na kingine cha rangi ya manjano. Vimiduara hivyo vimeunganika na katikakati yake kuna maneno "MasterCard".
Nembo ya VISA ni kiboksi chenye background nyeupe na neno VISA kwa herufi kubwa limeandikwa katikati.
Ndiyo ulitaka hivyo? Au wewe unazijua tofauti gani zingine?
Zote ni kadi za benki zinazorahisisha matumizi ya fedha. Zote ni kampuni za Kimarekani. Unaweza ukazipata katika namna mbili; kama debit card au kama credit card.
Debit card inachukua nafasi ya pesa taslimu. Yaani badala ya kubeba hela na kuzitumia ktk malipo yako, unaweza ukatumia debit card iliyounganisha moja kwa moja na checking account yako. Ukinunua kitu au huduma basi unaichanja tu hiyo debit card yako na hela zinatoka moja kwa moja kwenye akaunti yako kwenda kwa huyo unayemlipa. Hii inahitaji kimashine cha kuchanjia. Pia unaweza kulipia hivyo kwa njia ya simu au mtandao.
Credi card ni kama mkopo. Badala ya kupewa mkopo wa pesa taslimu unapewa ki-card hicho badala yake. Na chenyewe unakitumia kama ilivyo debit card lakini tofauti ni kwamba hela itokayo kwenye credit card si yako. Ni mkopo na hivyo itabidi uulipe kwa kadri utumiavyo (ukopavyo).
Nimeeleweka?
Mkuu nakubali katika maelezo yako umesema "zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani." Lakini hiyo ndio tofauti? Aliyeuliza alitaka kujua tofauti, sio similarities, unless nae hakujua alichokuwa anataka kujua. Kwa sisi watumiaji tunaona hakuna tofauti lakini zipo tofauti kubwa tuu. Ni ni sawa na kuuliza tofauti kati ya Coke na Pepsi. Ukimwuliza a consumer tofauti ya hizo card mbili atakuambia hakuna. Lakini zipo tofauti. Tofauti zina affect retailers zadi kuliko card holders. So, unless you're a retailer, you won't notice the difference. Nitakupa tofauti chache, lakini ziko nyingi tuu.
Kwanza, VISA inakubaliwa sehemu nyingi duniani kuliko Mastercard. Visa inakubalika zaidi Europe (toa Uingereza) kuliko Mastercard. Kwa hiyo kama mtu anasafiri kwenda nchi za Ulaya na ana hizo card mbili, lakini anataka kusafiri na card moja, ushauri ni kusafiri Visa.
Pili, kama una hizo card hapo, check the long numbers on the middle inaanza na namba gani. VISA card inaanza na namba 4 wakati Mastercard inaanza na namba 5. Hiyo nayo ni tofauti na ina maana yake ambayo sisi card holders hatujui. Kama zilikuwa hazina maana then wasingetofautisha namba ya mwanzo.
Tatu, kuna michezo ambayo imekuwa sponsored na Mastercard. Ukinunua tiketi online lazima utumie Mastercard. Kwenye London Olympics, Visa tuu ndio inayokubalika kununulia tiketi online. No visa card, no ticket. Hili limelalamikiwa vibaya sana sijui kama wamebadilisha.
Nne, kuna merchants wanakubali Visa lakini sio Mastercard and vice versa. Kwa mfano, Dollar General Corp wanakubali Visa tuu wakati Sam's Club wanakubali Mastercard (credit or debit) na VISA debit cards lakini hawakubali Visa credit cards.
Tano, more significantly, network ya Mastercard ni tofauti sana na network ya Visa. Network ya visa is a star based system where all endpoints terminate at one of several main data centres, where all transactions are processed centrally. Mastercard's network is an edge based, peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point. This allows MasterCard's network to be much more resilient, in that a single failure cannot isolate a large number of endpoints.
Hizo ni baadhi tuu ya tofauti
Kwa kweli hii kitu inategemea na mtu unataka kutumia ATM yenye jina duniani na support Barclays tangu nimeanza kutumia kadi zangu za nje TZ mie ni barclays tu, yaani siwezi kwenda kwingine na charges huwa poa kweli account yangu statement inaonyesha kila kitu hadi wapi nilitoa pesa nasema benki yangu uko inaweka haya. Ni account ya kawaida kadi ina MAESTRO.Kwa hiyo mie I 2nd barclays for many years no matatizo. Ila sijui habari ingine juu ya kadi kukataa ila kama ATM aina nembo za kusupport kadi yako yaani kama vijipicha havipo hakuna umuhimu wa kutumia hiyo ATM.Haya kumbukeni kuficha na mkono mnapodonoa PIN zenu ma expert ni wengi mtaibiwaHow long ago did you visit Tanzania? I was there last week, I can assure you that, I used both cards (visa debit card, Visa Credit card and master card) I was not lucky to get money anywhere else except Barclays. Unless this development happened yesterday.Aliyekwambia naongelea Cirrus ni nani?
Mkuu nakubali katika maelezo yako umesema "zote ni kadi za benki zinazotolewa na makampuni mawili ya Kimarekani." Lakini hiyo ndio tofauti? Aliyeuliza alitaka kujua tofauti, sio similarities, unless nae hakujua alichokuwa anataka kujua. Kwa sisi watumiaji tunaona hakuna tofauti lakini zipo tofauti kubwa tuu. Ni ni sawa na kuuliza tofauti kati ya Coke na Pepsi. Ukimwuliza a consumer tofauti ya hizo card mbili atakuambia hakuna. Lakini zipo tofauti. Tofauti zina affect retailers zadi kuliko card holders. So, unless you're a retailer, you won't notice the difference. Nitakupa tofauti chache, lakini ziko nyingi tuu.
Kwanza, VISA inakubaliwa sehemu nyingi duniani kuliko Mastercard. Visa inakubalika zaidi Europe (toa Uingereza) kuliko Mastercard. Kwa hiyo kama mtu anasafiri kwenda nchi za Ulaya na ana hizo card mbili, lakini anataka kusafiri na card moja, ushauri ni kusafiri Visa.
Pili, kama una hizo card hapo, check the long numbers on the middle inaanza na namba gani. VISA card inaanza na namba 4 wakati Mastercard inaanza na namba 5. Hiyo nayo ni tofauti na ina maana yake ambayo sisi card holders hatujui. Kama zilikuwa hazina maana then wasingetofautisha namba ya mwanzo.
Tatu, kuna michezo ambayo imekuwa sponsored na Mastercard. Ukinunua tiketi online lazima utumie Mastercard. Kwenye London Olympics, Visa tuu ndio inayokubalika kununulia tiketi online. No visa card, no ticket. Hili limelalamikiwa vibaya sana sijui kama wamebadilisha.
Nne, kuna merchants wanakunali Visa lakini sio Mastercard and vice versa. Kwa mfano, Dollar General Corp wanakubali Visa tuu wakati Sam's Club wanakubali Mastercard (credit or debit) na VISA debit cards lakini hawakubali Visa credit cards.
Tano, more significantly, network ya Mastercard ni tofauti sana na Visa network ya Visa. Network ya visa is a star based system where all endpoints terminate at one of several main data centres, where all transactions are processed centrally. Mastercard's network is an edge based, peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point. This allows MasterCard's network to be much more resilient, in that a single failure cannot isolate a large number of endpoints.
Hizo ni baadhi tuu ya tofauti
Sidhani kama Viper yeye ni retailer. Yeye mwenyewe yupo hapa na anaweza kusema kama yupo kwenye kundi gani - la retailer au card holder. Kwa hiyo mimi nilijibu kutoka kwenye msimamo/ mtazamo (standpoint) huo wa cardholder. Na sidhani kama nilikosea kutokana na reaction ya watu juu ya jibu langu.
Mimi nimesafiri Ulaya na kadi zote mbili na nimezitumia zote na hamna hata sehemu moja nilipozitumia ambapo mojawapo ilikataliwa. Sijui ni wapi Ulaya ambako MasterCard haikubaliki. Licha ya hivyo, aliyeuliza aliuliza katika muktadha wa Tanzania.
Hizo back end differences sisi za nini? Nani anajali hizo tofauti? Ni wazi, sequence za namba zitakuwa tofauti kwa sababu ni makampuni mawili tofauti. Kwa nini yote namba zake zianze kwa kufanana? Hata social security numbers za Marekani, sequence zake ziko tofauti. Kila jimbo au kila ukanda kama sikosei unaanzia na sequence zake. Hii yote ni katika kutofautisha tu lakini kwa sisi cardholders kwa kweli hazina umuhimu kihivyo. Cha muhimu kwa mmilikaji wa kadi ni terms of agreement, APR kwa credit card, good thru last day of, CVS number nyuma ya kadi, na PIN.
Hizo ni siasa za kibiashara tu.
Tanzania kuna Dollar General na Sam's Club mazee? Hapa uko nje ya muktadha ingawa factually you are correct.
Again, these are backend differences that are almost meaningless to the cardholders. The most important thing is that, at the most basic level (fundamentally) they are both the same. Kind of like your example of Coke and Pepsi. They are both cola soft dinks. They are both American. But they are both made by different companies. Who needs to know their formula?
Zote ni kadi za benki zinazorahisisha matumizi ya fedha. Zote ni kampuni za Kimarekani. Unaweza ukazipata katika namna mbili; kama debit card au kama credit card.
Debit card inachukua nafasi ya pesa taslimu. Yaani badala ya kubeba hela na kuzitumia ktk malipo yako, unaweza ukatumia debit card iliyounganisha moja kwa moja na checking account yako. Ukinunua kitu au huduma basi unaichanja tu hiyo debit card yako na hela zinatoka moja kwa moja kwenye akaunti yako kwenda kwa huyo unayemlipa. Hii inahitaji kimashine cha kuchanjia. Pia unaweza kulipia hivyo kwa njia ya simu au mtandao.
Credi card ni kama mkopo. Badala ya kupewa mkopo wa pesa taslimu unapewa ki-card hicho badala yake. Na chenyewe unakitumia kama ilivyo debit card lakini tofauti ni kwamba hela itokayo kwenye credit card si yako. Ni mkopo na hivyo itabidi uulipe kwa kadri utumiavyo (ukopavyo).
Nimeeleweka?
Kwenye swali hakusema kama yeye ni retailer au consumer. Labda kabla ya kumjibu ungemuuliza kama anataka kujua tofauti kama retailer au consumer. Reaction ya watu juu ya jibu lako haina maana kuwa ulijibu swali la mhusika. Inawezakana nao hawakusoma swali la Viper na kulielewa. Mie mwenyewe nimeshangaa sana hiyo reaction wakati ulichojibu ni similarities ya matumizi ya hizo kadi.
Una maana ulitembelea nchi zote za ulaya na kushop maduka yoye, etc ya Ulaya? Na tiketi ya London Olympic ulinunua sio? Tena kwa kutumia Mastercard? Sasa hii ina tofauti gani na ulivyomjibu Wacha1 hapo juu? "Unang'ang'ania kuwa "ulikuwa" bongo wiki iliyopita kama vile ni wewe pekee tu ndiye mwenye hati miliki ya kuwa bongo. Wengine unajua tuko wapi?" Huoni kama unaji-contradict?
Backend differences hazina tofauti kwa cardholders, lakini tofauti zipo kwa retailers, etc. Kwa mfano, benki inatumia Maestro, wanataka kubadilisha kwenda Visa au Mastercard, wakataka kupata ushauri kwako juu ya tofauti ya hizo card na ipi bora. Utawaambia, don't bother with the backend differences, what matters is the front end?
Well, whether ni siasa za kibiashara, nazo ni tofauti. Tena ukingalia ile post yako ya kwanza imekaa kibishara. Wamiliki wa hizi card huwa wanajaribu ku portray kibishara kuwa hazina tofauti. Lakini tofauti ziko pale. Siku utakayojua hizi tofauti, utakuwa unachagua utumie card gani.
Hapo umejaribu ku make assumption kuwa aliyeuliza swali aliuliza in the context of Tanzania. Yeye kauliza "naomba mwenye uwelewa wa hivyo vitu viwili anieleze Tofauti yake ni nini hasa?" Wapi ka mention Tanzania? Kwa nini unam-limit? BTW nafikiri amesema kwa sasa hayupo Tanzania.
Hapa tupo kuelimishana zaidi, if you don't need to know the the backend differences, then, another one might do. Lakini kinacho matter zaidi ni kuwa tofauti ipo regardless of whether is in the backend or in the front end.
Mtu akiitwa kwenye interview Mastercard, aulizwe tofauti ya hiyo card na visa hajibu hakuna tofati na hizo tofauti za backend are meaningless to cardholders whilst Mastercard proud themselves as having peer-to-peer network where transactions travel a meshed network directly to other endpoints, without the need to travel to a single point, thereby allowing much more resilient. Kazi atapata hapo?
Umeeleweka na umeeleza kiufasaha kabisa. On top of that, credit companies nyingi na hata baadhi ya banks huku US wakati wanaku-issue a debit/credit card huwa wanakuuliza utapendelea Visa ama Master card, chaguo lako. As I said before sijaona mahali US kuna sehemu inasema Visa only ama MC only.
Mkuu umeeleza vizuri sasa sijui malumbano yanatokea wapi. Labda matumizi yanatofautiana kati ya nchi na nchi which I still doubt.
Swali nililijibu. Sema sikulijibu ulivyotaka wewe, kwa mtindo na taarifa ambazo zingekupendeza machoni mwako. Wengine wameridhika na jibu langu. Na hata swali lenyewe lilivyowekwa lilikuwa wazi mno. Nami nikalijibu kwa mithili ya lilivyoulizwa. Kungekuwa na swali au maswali ya nyongeza na yenyewe yangejibiwa ipasavyo.
Nilienda Hamburg, Bayreuth, Summertown, Oxford, Helsinki, Antwerp, Rotterdam, na Bern. Ilikuwa kwa nyakati tofauti. Na huko kote kadi zangu zilifanya kazi. Tena uzuri wa hizi kadi ni kwamba ukiwa Ulaya huna haja kabisa ya kutafuta maduka ya kubadilishia fedha. Kila sehemu niliyoenda, iwe mgahawa au duka mimi nilikuwa nachanja tu - shwaaap - kitu na boksi. Ila sikwenda kwenye kila duka la kila mji nilioutembelea. Na bado sijanunua tiketi za London 2012 na wala sina mpango wa kununua. Sijaji-contradict popote hapo.
Mimi sio financial services consultant. Ila ikitokea wamenijia na kuniuliza mimi kuhusiana na yote hayo sitajifanya ujuaji. Nitatafuta Yellow book na kuangalia ni kina nani wanafanya hizo kazi za ushauri wa huduma za kifedha na kuwa direct waende huko kwa wataalamu wa mambo hayo. Wewe ni mtaalamu wa mambo hayo? Utani pembeni, kampuni katika capacity yake wanatakiwa wajue all the ins and outs of bank card transactions. Me as me....not so much so long as I know what my rights and my obligations are in relation to the bank card(s).
From the consumers vantage point the differences are minuscule. And I would advise people to have both cards (they can even add one more - Discover card) for convenience's sake. Have both of them linked to your checking accounts. Having them both may come in handy at some point.
So I still maintain that at the very basic level, both cards are virtually the same. They are bank cards that you can use for your daily financial transactions in lieu of cash.
Okay, I'll give you that. I made an ass of myself. I assumed. But my contention that they are both fundamentally the same in terms of usage still stands.
Look, hakuna aliyebisha kuwa hakuna tofauti kabisa. Heck, hata ma CEO wao ni tofauti. Ma CFO na COO (kama wanao) pia watakuwa tofauti na hizi zote ni baadhi ya tofauti kati ya nyingi tu zilizopo. Sasa ulitaka pia nizitaje hizo tofauti za ma CEO? Vitu vingine ni common sense tu. Lakini pia hakuna ubaya kwa wengine kama wakiamua kuzitaja. Nikuulize - kwenye matumizi, kimsingi wewe unaona kuna tofauti? Huu haukuwa usaili. Kwenye usaili mtu unapaswa kujibu maswali kwa utondoti zaidi. Hili ni jukwaa la majadiliano.
Umeeleweka na umeeleza kiufasaha kabisa. On top of that, credit companies nyingi na hata baadhi ya banks huku US wakati wanaku-issue a debit/credit card huwa wanakuuliza utapendelea Visa ama Master card, chaguo lako. As I said before sijaona mahali US kuna sehemu inasema Visa only ama MC only. Mkuu umeeleza vizuri sasa sijui malumbano yanatokea wapi. Labda matumizi yanatofautiana kati ya nchi na nchi which I still doubt.